{
  "canonical_url": "https://lendb.ai/lo/lee-horen-673181",
  "loan_officer": {
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    "slug": "lee-horen-673181",
    "canonical_url": "https://lendb.ai/lo/lee-horen-673181",
    "md_url": "https://lendb.ai/lo/lee-horen-673181.md",
    "json_url": "https://lendb.ai/lo/lee-horen-673181.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/673181",
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      "source_url": "https://cliffcomortgage.com/lhoren/",
      "verified_at": "2026-10-15"
    },
    "first_name": "Lee",
    "last_name": "Horen",
    "licensed_names": [
      {
        "name": "Lee Horen",
        "name_with_middle_initial": "Lee M. Horen",
        "first_name": "Lee",
        "middle_initial": "M",
        "last_name": "Horen",
        "states": [
          "CT",
          "FL",
          "NY"
        ],
        "source": "state_regulator",
        "as_of": "2026-10-13"
      }
    ],
    "headshot_url": {
      "value": "https://cliffcomortgage.com/wp-content/uploads/2024/12/Lee_Web.webp",
      "source": "lender_site",
      "source_url": "https://cliffcomortgage.com/lhoren/",
      "verified_at": "2026-10-15"
    },
    "bio": null,
    "title": {
      "value": "Loan Officer",
      "source": "lender_site",
      "source_url": "https://cliffcomortgage.com/lhoren/",
      "verified_at": "2026-10-15"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://cliffcomortgage.com/lhoren/",
      "verified_at": "2026-10-15"
    },
    "years_licensed": null,
    "years_experience": {
      "value": 25,
      "source": "lender_site",
      "source_url": "https://cliffcomortgage.com/lhoren/",
      "verified_at": "2026-10-15"
    },
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 80,
    "current_employment": {
      "lender_nmls_id": 65328,
      "lender_name": "Cliffco, Inc.",
      "lender_slug": "cliffco-inc-65328",
      "branch_city": "Uniondale",
      "branch_state": "NY",
      "branch_zip": null,
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://cliffcomortgage.com/lhoren/",
      "lender_type": "imb",
      "source": "lender_site",
      "source_url": "https://cliffcomortgage.com/lhoren/",
      "verified_at": "2026-10-15"
    },
    "employment_history": [
      {
        "lender_nmls_id": 65328,
        "lender_name": "Cliffco, Inc.",
        "lender_slug": "cliffco-inc-65328",
        "branch_city": "Uniondale",
        "branch_state": "NY",
        "branch_zip": null,
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://cliffcomortgage.com/lhoren/",
        "lender_type": "imb",
        "source": "lender_site",
        "source_url": "https://cliffcomortgage.com/lhoren/",
        "verified_at": "2026-10-15"
      }
    ],
    "licenses": [
      {
        "state": "FL",
        "license_type": "state_license",
        "license_number": "LO128263",
        "status": "active",
        "issued_at": "2024-05-01",
        "source": "state_regulator",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip",
        "verified_at": "2026-10-15",
        "confidence": "confirmed",
        "regulator": "fl"
      },
      {
        "state": "NY",
        "license_type": "state_license",
        "license_number": null,
        "status": "active",
        "issued_at": null,
        "source": "state_regulator",
        "source_url": "https://www.dfs.ny.gov/",
        "verified_at": "2026-10-14",
        "confidence": "confirmed",
        "regulator": "ny"
      },
      {
        "state": "CT",
        "license_type": "state_license",
        "license_number": "LO-673181",
        "status": "active",
        "issued_at": null,
        "source": "state_regulator",
        "source_url": "https://portal.ct.gov/dob/consumer-credit-licenses/consumer-credit-licenses/mortgage-loan-originators-licensed-in-connecticut",
        "verified_at": "2026-10-15",
        "confidence": "confirmed",
        "regulator": "ct"
      },
      {
        "state": "NJ",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://cliffcomortgage.com/lhoren/",
        "verified_at": "2026-10-15",
        "confidence": "lender_reported"
      }
    ],
    "specialties": [
      {
        "slug": "jumbo",
        "label": "Jumbo loan",
        "evidence": "lender_page_text",
        "confidence": 0.9,
        "source": "lender_site",
        "source_url": "https://cliffcomortgage.com/lhoren/",
        "verified_at": "2026-10-21"
      },
      {
        "slug": "self-employed",
        "label": "Self-employed",
        "evidence": "lender_page_text",
        "confidence": 0.85,
        "source": "lender_site",
        "source_url": "https://cliffcomortgage.com/lhoren/",
        "verified_at": "2026-10-21"
      }
    ],
    "lender_offers": [],
    "employer_program_approvals": [
      {
        "program": "fha",
        "source": "HUD",
        "as_of": "2026-08",
        "source_url": "https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot"
      }
    ],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "25",
        "source": "lender_site",
        "source_url": "https://cliffcomortgage.com/lhoren/",
        "verified_at": "2026-10-15"
      },
      {
        "kind": "service_area",
        "value": "New York City, Long Island, Westchester, Northern New Jersey, Florida",
        "source": "lender_site",
        "source_url": "https://cliffcomortgage.com/lhoren/",
        "verified_at": "2026-10-15"
      },
      {
        "kind": "other",
        "value": "Nearly 70% of clients are entrepreneurs, business owners, or professionals with unique income structures",
        "source": "lender_site",
        "source_url": "https://cliffcomortgage.com/lhoren/",
        "verified_at": "2026-10-15"
      }
    ],
    "last_verified_at": "2026-10-15",
    "updated_at": "2026-10-15 17:38:44.664792+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/lee-horen-673181#contact",
      "note": "Phone and email are shown on the profile page after a quick human check, one profile at a time. They are not available through the API or MCP. To reach this loan officer, open reveal_url or lender_profile_url.",
      "source": "lender_site",
      "source_url": "https://cliffcomortgage.com/lhoren/",
      "verified_at": "2026-10-15"
    },
    "earliest_license_record": {
      "date": "2024-05-01",
      "state": "FL"
    },
    "licensed_since": {
      "year": 2024,
      "state": "FL"
    },
    "federal_registration": null
  }
}